315 Circle DrDuttonAL35744
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 315 Circle Dr, Dutton, AL, 35744 in Dutton offers a clean, manageable entry. At $276,900, the 6.96% yield from $1,607/mo in rent nets $44/mo monthly. DSCR 1.22 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $76,502 in additional property value over five years, with $2,321/yr in principal equity building ownership stake. Total projected cumulative return: $101,975.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 8.0% |
| Monthly Cash Flow | $44 | $300 |
City averages based on Dutton market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,607 |
| Total Monthly Debt Service | $1,520 |
| DSCR Ratio | 1.06x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1973
0.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35744, Dutton, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,197 (100%) |
| Owner Occupied HU | 860 (71.8%) |
| Renter Occupied HU | 207 (17.3%) |
| Vacant Housing Units | 130 (10.9%) |
| Median Home Value | $140,625 |
| Average Home Value | $218,799 |
Housing Distribution
Address Breakdown
Residential
1,058
Single Family
1,058
Multi-Family
0
Businesses
30
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Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
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Nearby investment properties with comparable prices
